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Consultant urges Benton County to split insurance tiers, recommends 6.1% funding increase
Summary
A McGriff consultant told the quorum court the county should move from three to five benefit tiers (separating spouse and child coverage), fold a spousal surcharge into payroll deductions and maintain a 6.1% funding increase to keep the self‑insured plan adequately funded.
A consultant working with the county presented changes to employee health benefits Tuesday that would separate spouses and children into distinct tiers, embed the current spousal surcharge into payroll deductions and keep the county's health‑plan funding at about 6.1% higher next year.
The presenter said the current three‑tier structure—employee only, employee plus one and employee plus two or more—masks differences in risk between spouses and children and recommended five tiers so premiums better reflect who is covered. "The market norm is to have an employee‑spouse category and an employee‑child category," the presenter said, arguing the change would align…
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